A computer-based method for providing a loyalty identifier to a merchant using a payment network is described. The method includes storing data including at least one loyalty identifier associated with a cardholder enrolled in a loyalty program and a corresponding payment card identifier, receiving a first authorization request message for a payment transaction initiated by a first cardholder using a first payment card at an originating merchant, the first authorization request message including a first merchant identifier and a first payment card identifier, determining a first loyalty program associated with the originating merchant based in part on the first merchant identifier and the data stored in the memory, determining a first loyalty identifier associated with the first cardholder for the first loyalty program based in part on the first payment card identifier and the data stored in the memory, and providing the first loyalty identifier to the originating merchant.
Legal claims defining the scope of protection, as filed with the USPTO.
5. The method of claim 1 further comprising obtaining the biometric scan data of the first cardholder during the payment transaction.
6. The method of claim 1, wherein receiving the registration request from the first cardholder further comprises receiving, by the LP computing device, a picture of a loyalty program card associated with the first cardholder and determining the first loyalty identifier associated with the first cardholder based on the received picture.
12. The computing system of claim 8 further configured to obtain the biometric scan data of the first cardholder during the payment transaction.
13. The computing system of claim 8, wherein receiving the registration request from the first cardholder further comprises receiving, by the LP computing device, a picture of a loyalty program card associated with the first cardholder and determining the first loyalty identifier associated with the first cardholder based on the received picture.
18. The at least one non-transitory computer-readable storage medium of claim 15, wherein the computer-executable instructions further cause the LP computing device to obtain the biometric scan data of the first cardholder during the payment transaction.
19. The at least one non-transitory computer-readable storage medium of claim 15, wherein receiving the registration request from the first cardholder further comprises receiving, by the LP computing device, a picture of a loyalty program card associated with the first cardholder and determining the loyalty identifier associated with the first cardholder based on the received picture.
Cooperative Patent Classification codes for this invention. Click any code to explore related patents in that topic.
September 30, 2019
April 23, 2024
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